Best CD rates and certificates

Requirements

Product: Must be at least 18 years old, a U.S. citizen or lawful permanent resident with a U.S. physical address and U.S.-based mobile phone number. No minimum deposit required to open or maintain account, but account balance may not exceed $1,000,000. No monthly cycle service charge. Early withdrawal penalty applies (3 months interest for terms 12 months or less; 6 months interest for terms over 12 months).

Offer: For terms 12 months or less, early withdrawal penalty is 3 months of interest. Rate applies to entire account balance.

Requirements

Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.

Offer: Dividends credited/compounded monthly.

Requirements

Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.

Offer: Dividends credited/compounded quarterly.

Requirements

Product: La Capitol Certificate Accounts are term Share Accounts. APY is fixed at opening/renewal. Dividends compounded and credited monthly. Additional deposits not allowed during term. Automatically renews at rates effective at renewal. Early withdrawal penalty: 180 days' dividends for terms of 1 year to less than 3 years; 365 days' dividends for terms of 3 years or more. Earn higher APY when membership includes an open checking account. Membership required.

Offer: Earn higher rate and APY when membership includes an open checking account. If checking account is closed before certificate matures, rate and APY decrease to rate without checking account.

Requirements

Product: Dividends earned are posted monthly. Early withdrawal fees or applicable conditions could reduce earnings.

Requirements

Product: La Capitol Certificate Accounts are term Share Accounts. APY is fixed at opening/renewal. Dividends compounded and credited monthly. Additional deposits not allowed during term. Automatically renews at rates effective at renewal. Early withdrawal penalty: 180 days' dividends for terms of 1 year to less than 3 years; 365 days' dividends for terms of 3 years or more. Earn higher APY when membership includes an open checking account. Membership required.

Requirements

Product: Penalty for early withdrawal. The annual percentage yield, the annual percentage yield earned, and the dividend rate shall be rounded to the nearest one-hundredth of one percentage point (.01%) and expressed to two decimal places.

Offer: Penalty for early withdrawal.

Requirements

Product: Dividends are credited to your savings account monthly. APY is fixed for the term of the certificate. Auto renewal is available but rate is subject to change. Early withdraw penalty may apply. Fees could reduce earnings on the account.

Offer: Minimum balance to earn APY** is $1,000.00.

Requirements

Product: Interest paid monthly on all certificates except in the event of a special certificate promotion. Early withdrawals from a CD may be subject to a penalty. Fees may reduce earnings.

Requirements

Product: Pelican membership required (join from $15). Fixed dividend rate locked for the initial term once the application is received and funded (mail funding uses the funded date). Dividends compounded and posted monthly; withdrawal of dividends reduces earnings. Additional deposits not allowed during the term; remaining balance after any withdrawal must be at least $500. Early withdrawal penalty is 40% of total dividends that would have been earned over the full term (requests in writing). Automatically renewable with a 10-day grace period after maturity. Federally insured by NCUA.

Offer: 12-month Share Certificate (headline term). Dividend rate 3.23%; APY 3.28%. Minimum opening balance $500. Rate locked for the term. APY assumes dividends remain on deposit until maturity.

Requirements

Product: $1,000 minimum deposit required to open. Early withdrawal penalty applies. Term lengths from 90 days to 60 months.

Offer: Early withdrawal penalty applies.

Requirements

Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.

Requirements

Product: Fixed rate for the term of CD. Must maintain a minimum balance of $500. Early withdrawals are subject to penalties.

Offer: Penalty may be imposed for early withdrawal.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.